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I have to scratch my heads at the people in this thread saying that "international is highly correlated to domestic equities, so there's no reason to hold international" 1. Have you even been keeping up with the performance of US vs. Intl stocks the past 5 years? US has outperformed intern...

Foreign stocks are almost always undervalued relative to US stocks. If you examine the relative returns of foreign versus domestic stocks you will note that they regularly move in multi year cycles. Historically patient buyers have been rewarded for taking advantage of these relatively long cycles ...

A few responses in here are pretty insulting; I'd argue there's very little correlation between monetary compensation and career happiness after a certain point. In fact, for certain professions it probably becomes inversely proportional. Similarly, 80K (especially in a low cost of living area) is a...

https://www.google.com/finance?q=FSGDX Google finance says the last distribution was in December and it was .13%. The year before that it was .05% Here's the distribution history: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/316146141 Compare this to VTIAX which has about a 2.5-3% ...

Sorry to bump this old topic. But I've held this fund for a number of years and I don't understand why there's such a huge discrepancy between the dividend yield of this fund versus the Vanguard equivalent (VTIAX)?

Nispirius, I don't understand why you're an international skeptic, or that diversifying into international stocks doesn't have much of an advantage. I'd argue it most certainly does; just as if you live in any other country outside of the US, it makes sense to hold a substantial weight in US equitie...

Nathan I am right there with you. I have been 60% international since November 2013. Well, you can see how well that has worked. Nevertheless I believe at least 50% is right for a youngish accumulator so I'll be sticking with this for many years barring a radical reset in valuations. Hasn't worked ...

Which is it: you want to replicate global weightings, or you want to chase valuations? If the former, 50/50 is the global weight: https://personal.vanguard.com/us/funds/snapshot?FundId=3141&FundIntExt=INT#tab=2 If the latter, good luck. North America includes Canada and Mexico, which is part of...

I considered this at one point too. There is some (limited) evidence to support such an allocation like: http://www.gurufocus.com/global-market-valuation.php The problem is that the Eurozone has a lot of drag to their economy as well. Many of those countries are going through a demographic crisis a...

There are reasons EU equities are not as fully valued as US equities. That includes lingering problems with EU bank capitalization. I'd stay away from trying market timing at levels above normal AA into EU. I guess that depends on what you consider normal, since roughly 60% could be a normal weight...

I currently have 1:1 US to Intl investments, and given the recent turmoil in Europe and abroad as well as the somewhat non-recovery since 2007 for these markets (and as a result, their attractive valuations and dividend yields versus US stocks), I'm inclined to increase my allocation of future inves...

I'm in Sweden and looking at Morningstar I see that Global index funds here has a bit lower P/E (around 17) than our US index funds and local index funds. Is this an argument for holding a global market weight portfolio? I'm around 50/50 US:Intl right now, and given that international stocks still ...

Few details: -Early 30's, Single -Net Worth - multiple times annual salary -Emergency Fund - 15-20K (roughly 1 year's living expenses), all in a checking account earning 0%, this is also used to cover my monthly expenses (rent, cc bill as well as taxes due every April), and slowly grows throughout t...

Have you obtained additional estimates? $2k seems inexpensive for a factory-remanufactured transmission with a warranty, including labor. Do you mean "expensive" instead of "inexpensive"? Have not received additional estimates. That estimate was a worst-case, it may be closer to...

Thanks for the advice everyone. Since I don't have a new car itch, maybe it's just best to bite the bullet and hope I don't have any other serious and expensive problems to deal with. I always have enough money saved up to buy a new car in cash, but I'm not a car person and just see it as a means to...

Have you obtained additional estimates? $2k seems inexpensive for a factory-remanufactured transmission with a warranty, including labor. Do you mean "expensive" instead of "inexpensive"? Have not received additional estimates. That estimate was a worst-case, it may be closer to...

Have a bit of a dilemma. The check engine light came on for my car and I noticed it was shifting gears oddly. Error code turned out to be related to the transmission, and I received a worst case estimate for the cost to rebuild the transmission for $2k. 99 Honda Civic 170,000 miles Drive it annually...

We're at the next inflection point - average return on investable assets (you said retirement accounts but I also include our taxable brokerage accounts, but not RE or 529s which hopefully have funded kids college) is more than double our estimated retirement expenses. At age 53 (DW age 47) we are ...

How you're doing relative to others makes this question quite strange. My living expenses are less than my annual contributions to max out my 401k (17.5K). So by that definition, my retirement account growth exceeded expenses from the first day of my first job. 1.2M in retirement accounts at 41 is v...

I look at this differently. I see both jobs as providing more than livable wages and I don't see your occupation disappearing anytime soon, i.e. you will always have a good paying job. Money is more of a secondary issue (but still important). The real question is do you want to continue to work at ...

Kind of curious if anyone has made this move. Here's my current situation: Single Early 30s Engineer w/ $90-100K income depending on bonus 6% 401K match; no pension Health benefits that amount to roughly 8K per year Low cost of living state, no state income tax Indifferent about job; pays the bills,...

I have a 401K plan with Fidelity that caps contributions to 25% of my paycheck. I normally max out my 401K throughout the year, and once I've reached the limit, I contribute on an after-tax basis and then roll over my after-tax 401k money into a Roth IRA at the start of each year. I'd like to be abl...

These middle men responsible for extracting wealth from productive citizens represent a net-drain on actual GDP and economic growth. The financial services industry that thrives on active management is not providing anything worthwhile to the economy, and is simply extracting their cut by preying on...

For any younger Bogleheads out there . . . My first real job was at age 25. I remember buying Vanguard funds (and IRAs) and crossing over the $100 K mark. Crossed $1 M at age 30. Lived in a modest apartment at the time. Then $2 M. I remember thinking if we only had $5 M . . . we'd be set. Our 30s w...

Question for you, your wife, and Tyrobi: Do you have any advice on breaking into the oil industry? I have an construction engineering degree(about half civil eng, half construction management) and work in the construction field(contract management, project management, etc). Unfortunately I never to...

Engineer Easy way to clear 100k hurdle is to involve with the oilfield after getting any engineer degree. +1 I recommend the oil industry to pretty much anyone with a technical background - I've worked with everyone from engineering to physics to math backgrounds, even a few finance-backgrounded pe...

What's the easiest way to get into these sales jobs that command 200-500K+ compensation, work at home, get all your travel expenses paid for, and generally only spend an honest 30 hours towards work a week?

Started my own business (32ish) - Worked my tail off, failed on a couple of things and hit big on another. First year earnings were negligible. I went from making about $71K in the first year (2008) to over $2M this past year (2012). I will say though, since starting my own business my health has t...

With that education you could qualify to be an underwriter/analyst at a commercial bank (especially with a night course or two in accounting). I'm not talking about investment banking analysts or the mutual fund analysts who need CFAs. Regular old bank analysts are employed at every bank which orig...

I graduated with my MBA a little over two years ago; I would certainly do it all over again. I ended up going from a well paying, but dead end job (in both responsibility and pay) to a job that pays me double the salary, has much more responsibility and a wide open career trajectory. I could never ...

Make a LinkedIn or Monster account. I'm an engineer and after I put a fortune 500 company name on my profile, my phone was blowing up with head hunters. A lot of them are searching for contract positions, but if you ask they can find you a full time gig. Since i'm not looking for a job, I actually ...

I'm looking to make a move, career wise, and I'm still with the first company post-graduation...so the job search process is completely different than when I was in school (where employers participated in on-campus recruiting). I'm looking for suggestions on how to approach a job search to maximize:...

I'm in a similar boat.... engineer (now lead engineer) with nearly 5 years at the same company and multiple annual raises later and I'm only making 1.2X as much as I was when I first started. Barely keeping above inflation, despite much more responsibility. Only difference is that while the job envi...

We're on pace to hit $1 million in December of this year when we get our year end bonuses. We're each 27. For us, it's really been 100% about having two high incomes and saving 50% or more of that income. We have some investment gains in our retirement accounts, but we really only started following...

Cramer isn't stupid -- he knows index funds are the superior choice for the prudent investor that regularly buys stocks, holds them for the long-term, and re-balances periodically. His audience, and thus advice, is tailored to a completely different demographic than the one on this forum. These are ...

http://i42.tinypic.com/2rrncww.jpg I look at that picture and I say, "Boy, the first 10 years after a peak are a terrible time to invest in stocks." That seems to be the Shiller thesis. The trick is identifying the peak in advance. Recall that these returns are after inflation. So on that...

In an industry rife with needless complexity that preys on the ignorance of individual investors, it's comforting to have a pioneer among us that has laid the foundation to maximize the returns of his clients rather than of his own interests through a simple approach that works. A rare thing in the ...

Here's an article that recommends Petroleum Engineering. http://money.cnn.com/2013/04/25/news/economy/engineering-best-paid-jobs/index.html?iid=HP_LN I would be careful chasing "best starting salary" lists. Engineers tend to start out with good salaries but quickly plateau (usually within...